“Many people short themselves and don’t know it,” said Carlos V. Freyre, managing director of MySmartClaims.com, referring to the fact that homeowners may accept settlement amounts that are inappropriate because of lack of resources.

“Traditionally, homeowners have been somewhat limited in their options in negotiating claims,” Freyre added. “They could either accept the carrier’s estimate or hire a third party, such as a public adjuster, which typically charges between 10 and 40 percent of the recovered amount.” However, Florida-based MySmartClaims.com is offering their estimation tool to help homeowners determine if the insurer’s price is right, without seeking outside assistance. The goal? To combat perceived low-ball offers on claims.

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